Clay County property record for 103 E 28th St, Spencer, IA 51301
| Property Type | Warehouse, Storage |
|---|---|
| Details | 3,600 sqft · built 1989 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $1,956 (2025) |
| Deeds & Mortgages | Mar 2017 Sale & Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606129001 |
| Primary APN | 963606129001 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,600 sqft Gross Area |
| Overhead Door | Overhead Door |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 32,234 sqft (0.74 acres) |
| Lot Dimensions | 214 ft deep x 150 ft wide |
| Heating Fuel | Gas |
|---|---|
| Water Source | Commercial |
| Street Address | 103 E 28TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2002 |
| Property Category | Industrial |
| Property Type | Industrial > Warehouse, Storage |
| Legal Description | LOT 2 KRUSE 1ST ADDN |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 6 |
| Legal Subdivision | KRUSE FIRST ADDN |
| Legal Lot Number | 2 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 80200 |
Source: Clay County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2819 B AVE E, SPENCER, IA 51301-2020 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 17, 2017 | Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK |
| Mar 17, 2017 | Warranty Deed, Transfer FARMERS TRUST & SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Mar 17, 2017 |
| Property Address | 103 E 28TH ST, SPENCER, IA 51301-2002 |
| Document Number | 002017/650 |
| Book / Page | 2017 / 650 |
| Instrument Date | Jan 23, 2017 |
| Instrument | 2017 650 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2819 B AVE E, SPENCER, IA 51301-2020 |
| Document Number | 002017/651 |
|---|---|
| Date | Mar 17, 2017 |
| Book Page | 2017/651 |
| Instrument | 0651 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Mar 17, 2017 |
| Property Address | 103 E 28TH ST, SPENCER, IA 51301-2002 |
| Document Number | 02017/0650 |
| Book / Page | 2017 / 0650 |
| Instrument Date | Jan 23, 2017 |
| Instrument | 2017 0650 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2819 B AVE E, SPENCER, IA 51301-2020 |
| Document Number | 02017/0651 |
|---|---|
| Date | Mar 17, 2017 |
| Book Page | 2017/0651 |
| Instrument | 2017 0651 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Amount | Amount Recorded |
|---|
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,956.00 (+14.92%) | $127,700 (+20.09%) Land $76,240 Building $51,460 | $127,700 (+20.09%) Land $76,240 Building $51,460 |
| 2024 | $1,702.00 (-1.73%) | ||
| 2023 | $106,340 (+8.16%) Land $58,800 Building $47,540 | $106,340 (+8.16%) Land $58,800 Building $47,540 | |
| 2022 | $1,732.00 | $98,320 Land $58,800 Building $39,520 | |
| 2021 | $98,320 Land $58,800 Building $39,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 7 (1993–2024) |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 40% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Nextlink Fixed Wireless | 500 / 100 |
| Starlink Satellite | 280 / 30 |
| GigFire Fixed Wireless | 100 / 20 |
May also be available: Premier Communications, Spencer Municipal Utilities, T-Mobile, Verizon.
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